Amber Maria Baran

Chinese Media WINVESTOR IMMOBILIER INC. https://mp.weixin.qq.com/s/de21ojOjkDxlAx-g6qQlBg

All About Condo Fees CONDO FEES Condominium fees are the costs necessary for the administration of a condominium building and the maintenance of its common areas, and are payable by the co-owners to the syndicate. Common expenses should also be included in order to have a more comprehensive view of the monthly costs incurred when buying a condo (e.g.: snow removal, grounds maintenance, etc.). It’s important to include condo fees in your monthly budget, which will be... added to the amount of the mortgage, insurance and other costs. CONTINGENCY FUND The contingency fund is a sum of money that the condominium builds up through payments by the co-owners, in order to anticipate the financing of certain work in the common areas. The law requires that the contingency fund be financed by a financial contribution from the co-owners, which cannot be less than 5% of their contributions to the common expenses Finally, the law requires each syndicate of co-owners to establish a contingency fund, according to the estimated cost of major repairs and the cost of replacement of the common portions. It should also be noted that the amounts accumulated belong to the syndicate, and are not reimbursed by the syndicate to the seller upon the sale of his private portion. EXPERIENCE AND EXPERTISE MATTER If you are considering investing in a condo, contact me directly. AMBER MARIA BARAN 514-974-4222 [email protected] #montreal #condo #condoliving #condoliving #condodecor #buy #sell #realestate #realtor #buyersagent #sellersagent #invest #2020

Purchasing a home is one of the most important decisions you’ll make in a lifetime. The right home can be both a haven and one of your most important assets, helping you to build wealth and prosperity. Although buying a home is very exciting, it may at times feel overwhelming. The right strategy and the right allies are essential in ensuring your quest is a success. Experience and expertise play a huge roll in assuring that you not only find the right house for your specific... needs but that you also pay the best price. Amber Maria Baran is a determined, driven, results oriented professional who not only has a thorough understanding of the real estate market, but will also will make sure that you make an educated and well-informed decision when purchasing your perfect home. Amber Maria will always prioritize your best interest throughout the buying process, negotiating the best price, managing and advocating for you during inspections, escrow, title, and closing. Amber Maria Baran Certified Residential & Commercial Real Estate Broker 514-974-4222 [email protected]

Buying in the Suburbs Are you thinking of buying a large house between the city and country? A house in the suburbs may be the right compromise for you. Define your needs... Have you decided to leave the city in order to settle in the suburbs? This choice is increasingly popular with families who want larger homes at more affordable prices. Life often prompts us to make choices. As your family grows, your needs change and that is normal. The important thing is to evaluate the advantages and disadvantages of moving from the city to the suburbs. Advantages The price: Property prices are less expensive in the suburbs. However, the gap is narrowing due in particular to the pandemic. If a large number of people want to leave the city to settle in the suburbs, this will result in an increase in demand and thus an increase in prices. The price of a house in the suburbs, however, remains more affordable than a house of comparable size in the heart of the city. The space: For a lower or same price as a property in the city, you will most certainly find a larger home in the suburbs, with more outdoor space. The lifestyle: If you want to get away from the hustle and bustle of the city, as well as its noisy and busy streets, living in the suburbs is a good choice. Disadvantages Fewer services nearby: Living in the suburbs often means that there are fewer services nearby, such as grocery stores, bakeries, small cafes, etc., so you will need to travel more often by car. Accessibility: If you work in the city, you may need to spend more time on public transit or invest in a car. In addition, you will have to deal with traffic congestion in the morning and evening to get to and from work. However, the pandemic has changed many things and we are now living in a world of teleworking, which has significantly reduced traffic on our roads! AMBER MARIA BARAN 514-974-4222 [email protected] #greatermontreal #suburbs #realestate #advantages #disadvantages #pandemic #2020 #realtor #realtorlife #buyersagent #sellersagent #buy #sell #invest #rent #homesweethome #homedecor #homebuyers

Want to Save on Your Heating Bill? According to Hydro Quebec, heating accounts for more than 50% of a household's total electricity consumption. This is a direct consequence of our cold Quebec winters. However, by adopting a few good habits, it is possible to reduce this expense. Objective: Zero air leakage... Enemy number one is undoubtedly the cold. It infiltrates every nook and cranny, and drives away the warmth in your home. Air leaks are usually located around doors and windows, joints and junctions, as well as floors and ceilings. To find an air leak, slowly move a lit candle near strategic areas and see if the flame flickers. It is also possible to perform this test using a tissue and see if it moves when placed near a high-risk area. Caulk any leaks to reduce energy loss. Smart thermostats Equipping your home with smart thermostats makes it possible to obtain a more stable and accurate heating. Replacing bimetallic thermostats with electronic models saves up to 10% on annual heating costs, making this a smart investment. It is also possible to program these thermostats to lower the temperature by 3C at night and during the day while you're away. By getting into this habit, you can save another 4% to 5% on your total heating cost. A few other ideas that pay off Did you know that you reduce your annual heating bill by opening your blinds and curtains during the day? Savings can also be made by not placing any furniture in front of a heat source. The heat will spread more easy. If your room has a ceiling fan, set the blades to rotate in winter mode so that warm air flows down from the ceiling to the floor. Knowing that heat rises, this habit ensures a constant return of downward heat. To feel comfortable and warm at home, turning up the heat is often not the best solution. Like my mom would always say back in the day Put on a big comfy sweater, along with warm socks or slippers, and you'll see you will be toasty warm! Photo credit: For more amazing home decor inspiration visit @inspire_me_home_decor on IG and you can shop the look there. They have so many beautiful things! I want it all #winter #quebec #tips #diy Amber Maria Baran 514-974-4222 [email protected] Amber Maria Baran

GET A FREE MARKET APPRAISAL Are you looking to sell your home? Amber Maria Baran will provide you with a complimentary home evaluation. Selling your home is undoubtedly one of the most important decisions you’ll make. It goes without saying that experience and expertise matter! ... Amber Maria’s unwavering dedication and extensive negotiating skills will make a significant difference in assuring that you not only sell your home for top dollar but Amber Maria will assure the process in seamless, resulting in a successful transaction. Please call or email me directly to set up a meeting. Amber Maria Baran Certified Residential & Commercial Real Estate Broker 514-974-4222 [email protected]

Sales in Quebec continued to show strong growth in November, as transactions jumped by 38 % compared to November last year. *Information provided by apciq.ca

NEW LISTING 1 1 MLS 26004190... Welcome to the Lowney sur Ville Phase 4! This unit has a semi-closed bedroom, a linear kitchen to maximize the living area, a large balcony and a storage. The building has roof terraces with pools, lounging areas, BBQs, views, an indoor pool with a sauna, steam room, jacuzzi and a state-of-the-art gym. Bienvenue au Lowney sur ville phase 4! Ce condo offre une chambre semi-fermee, une cuisine lineaire pour maximiser l'espace de vie, un grand balcon et un rangement. L'immeuble possede une terrasse sur le toit avec piscines, espaces lounges ainsi qu'une piscine interieure, sauna, bain vapeur, spa et une salle d'exercice. Amber Maria Baran Certified Residential & Commercial Real Estate Broker 514-974-4222 [email protected] #montreal #griffentown #forsale #broker #sellersagent #buy #sell #invest #realestate #realtorsofinstagram #luxurylifestyle #gym #pool #sauna #steamroom #jacuzzi #lifestyle #lesudouest #lesudouestcestlavie

Are you looking to buy a property yet would like to have some help in obtaining a larger down payment? The Home Buyers’ Plan (HBP) could be your solution. What is the HBP?... The HBP is a federal government program that allows you to use up to $35,000 tax-free from your Registered Retirement Savings Plan (RRSP) to buy your first home. For example, both spouses could each withdraw $35,000 to obtain an amount of $70,000. To participate in this program, you must meet certain eligibility requirements. You must be considered a first-time home buyer and have a written agreement to buy or build a qualifying home. How does it work? You must be a resident of Canada when you withdraw funds from your RRSP. It is possible to withdraw funds from more than one RRSP so long as you repay each RRSP. Moreover, funds must remain in the RRSP for at least 90 days before you can withdraw them. Otherwise, you will be taxed on amounts withdrawn before the 90-day period is over. You will then have 15 years to pay back your RRSP, with no interest being charged. You must repay at least 1/15 of the loan each year. You also have the choice of repaying it sooner. Home Buyers’ Plan: good or bad strategy? There is no right or wrong strategy. What is important is to choose a strategy best suited to your situation and needs. Many people are unaware that they have enough money in their RRSP to benefit from it, especially under the HBP. The minimum down payment required is 5%. However, you could add to your down payment using the HBP and make a down payment of 20%, which would exempt you from CMHC mortgage loan insurance penalties. To learn more about this program, contact me directly. You might be able to buy your first home sooner than you think! #home #buyers #plan #hbp #rrsp #purchase #montreal #realestate #canada #realtor #buyersagent #sellersagent #invest #buy #sell Amber Maria Baran Certified Residential & Commercial Real Estate Broker 514-974-4222 [email protected] Winvestor Immobilier INC. 1165 Avenue Greene, Westmount,Quebec H3Z 1P4

If you’re looking to optimize your home so that you can enjoy it more fully or to increase its resale value, making your living room even more welcoming is a decision that will pay off. How do you go about doing this? CUSHIONS: When it comes to ambiance, it’s all about the cushions! Without going overboard, there should be a good amount of them and they should be soft. When arranging them, large, more functional cushions should sit alongside smaller decorative cushions, as... this will add character to the room. The fabrics and colours chosen are also an integral part of creating a cozy atmosphere. Cushions made of woolly fabric in pale colours are ideal for fall and winter, adding both softness and warmth. THROWS: As pretty as they are practical, throws are a perfect decorative item for creating a warm living room. Whether it's for bundling up on cold evenings or simply placing them randomly on the sofa, throws definitely add a touch of style. By opting for colours and fabrics similar to the cushions, a uniformity will be created, adding to the enveloping character of the room. Wool and faux fur throws are popular choices. A FIREPLACE: Whether it’s wood, propane or electric, the addition of a fireplace helps cement the warm appearance of a living room. Watching the flames dance and listening to the crackle, whether real or artificially created, is a calm and soothing activity. Buyers often look for a property that has a fireplace. The addition of this element will thus be a good argument when reselling. LIGHTING: For a cozy and relaxing atmosphere, having the right lighting is essential. A yellowish light instead of a pure white light will help create a look of intimacy and warmth. Placing a few candles on a coffee table or on the edge of a bay window is also an attractive option, as they are decorative during the day and practical in the evening. CARPET: Often overlooked, the floor also plays a role in the ambience of a room. Adding a rug helps create a cozy atmosphere, in addition to having the functional purpose of noise reduction. #decor #lifestyle #livingroom #cushions #throws #fireplace #lighting #carpet #ambiance #welcomehome #cozy #diy Amber Maria Baran Residential and Commercial Real Estate Broker 514-974-4222 [email protected]

Thankful and grateful for my wonderful clients

Direct message me for more info Amber Maria Baran Amber Maria Baran [email protected] 514-974-4222 #greatermontreal #lasalle #verdun #lachine #vsl #ahunsic #cdn #ndg #csl #westisland #laval #chateguay #buy #sell #invest #referrals #broker #residential #commercial

I feel so much gratitude towards all my clients who have trusted me with the purchase or sale of their home. I am extremely thankful for the opportunity to not only do what I love but grateful for all my wonderful clients CONGRATS TO MY DEAR CLIENTS ON THE PURCHASE OF THEIR FIRST HOME Buying a home is undoubtedly one of the largest purchases you’ll make in your lifetime. It’s important that you carefully choose the type of property that suits your needs and make a well-i...nformed decision. The single-family home is by far the most popular type of property. There are many advantages to a single-family home: you can arrange and decorate it the way you like, and you have maximum privacy since no one else shares your space. However, maintaining the exterior of the house can require lots of time and money. Condos, which are gaining in popularity, are ideal for those people who don't want to invest time in lawn maintenance. However, it's important to choose a building whose owners have a similar profile to yours, since you will need to agree on issues such as renovation work and building maintenance. Also take into consideration the maintenance fees that you, and all of the other owners in the building, will need to cover. A plex is a revenue property with two, three, four or five dwellings (duplex, triplex, quadruplex, quintuplex). The financial benefits are indisputable you collect rent to help you pay your mortgage. Furthermore, a portion of the interest is tax deductible since part of the mortgage loan enabled you to acquire investment income, and any amount invested in maintaining your tenants' dwellings is tax deductible. However, a plex won't give you the same privacy as a single-family home. Amber Maria Baran 514-974-4222 #laval #greatermontreal #realestate #realtor #buy #sell #invest #firsttimehomebuyer #gratitude

PURCHASED WITH ME Congratulations to my amazing client on the purchase of her new condo I AM GRATEFUL AND THANKFUL EVERY DAY TO ALL MY CLIENTS FOR PUTTING THEIR TRUST IN ME. ... #Purchased #condo #buyersagent #montreal #lasalle #realestate #grateful #thankful #congratulations #proven #results #business #sales #customer #specific #collaboration #mtl #mtlmoments #buy #sell #invest #brokerlife #passion #determination #addedvalue #me

MAY 2020 Resalestate Statistics are out! How has the pandemic altered the realestate market? Potential sellers will be happy to hear that it is still a sellers market. With limited inventory available and many motivated buyers on the search, the median price of single-family homes and condominiums increased by 2 % throughout Quebec compared to May of 2019, ... More specifically, In Montreal there has been an increase in prices of 9% compared to May of 2019. On the flip side, the month of May was marked by a decrease in sales across Quebec, as transactions fell by 30 per cent compared to May of last year. I believe this decrease is the result of temporarily not being able to market new properties during the pandemic. Now that real estate activities have resumed, this is good news for all! Buyers will have more options to choose from now that we are able to market new properties according to the guidelines put in place by the government. If you have any questions and/or are considering buying or selling, Please feel free to contact me directly. I am dedicated to providing an outstanding service with ease, confidence and integrity. AMBER MARIA BARAN Certified Residential & Commercial Real Estate Broker Cell: 514-974-4222 Email: [email protected] #Montreal #RealEstate #Statistics #Quebec #Covid #Quarantine #Buyers #Sellers #BrokerLife

I’m so grateful to my wonderful clients thank you so much for trusting me. #montreal #mtlmoments #sellersagent #buyersagent #sold #vendu #gratitude #thankful #realestate #broker #lasalle #montrealbroker #quarantine #quarantinelife #quarantineandchill

Congrats to my wonderful clients on the accepted offer on this one of a kind, magnificent luxury cottage. Thank you for putting your trust in me. AMBER MARIA BARAN... #greatermontreal #realestate #luxury #cottage #quarantine #quarantinelife #quarantineandchill #quarantineandinvest #acceptedoffer #realtor #brokerlife #lifestyle #happilyeverafter #invest #buyersagent #gratitude #dedication See more

Sold for 100% of asking price Thank you to my seller for trusting me with the sale of his condo. Within 2 days of our first visits, I sold this loft style condo. Even with everything going on in the world, Greater Montreal realestate market is still booming!! #sellersagent #greatermontreal #realestate #sold #askingprice #mtl #broker #invest #vendu

Expenses to Consider When Buying a Property Have you decided to become a homeowner? Learn more about the costs that are involved. The down payment... A down payment is mandatory when buying a property. The minimum required is 5%; however, homebuyers with less than 20% down payment are required to purchase mortgage loan insurance to protect the financial institution. Thus, you should ideally have a 20% down payment to be exempt from mortgage loan insurance. Mortgage loan insurance The cost of mortgage insurance varies based on several criteria, such as your financial and professional situation, your credit history and your down payment. The larger the down payment, the less expensive the insurance will be. To learn more about mortgage loan insurance, visit the CMHC website. The inspection To avoid unpleasant surprises, an inspection is strongly recommended. A building inspector will be able to identify the strengths and weaknesses of the property and, above all, identify potential repairs and the expected costs. The cost of an inspection varies, but expect to pay at least $500. The notary It is mandatory that you use the services of a notary during a real estate transaction. The notary accompanies you during the purchase process and ensures that your property titles are free of any irregularities. The notary prepares documents such as the deed of sale, the mortgage deed, as well as the registration of the property in the Quebec Land Registry. The cost of a notary is approximately $1,000 but can vary depending on the city and the type of property. Transfer duties Transfer duties (sometimes called the welcome tax) are collected by the municipality of your new property. They are payable at the conclusion of the transaction at the notary's office.These duties are calculated according to different criteria. Use our simulation calculator to find out the amount of transfer taxes. Municipal and school taxes When you become a homeowner, you must pay your share of municipal and school taxes. Taxes are calculated based on the municipality, the school board and the value of the property. #montreal #realestate #buying #whattoexpect #luxurylifestyle #thesewindows

Turn-key property! This elegant townhouse with a Modern brand new kitchen on a private street, looking out onto the spacious terrace with River view. 3 bedrooms, 2 1/2 baths, large mezzanine. 2 car garage. Don’t miss out! Contact me directly to book your visit.... Amber Maria Baran https://www.centris.ca//houses~for-sale~montreal/17202022

CHEERS TO NEW BEGINNINGS Congrats to my kind buyers who purchased their first home together with me. I am so thrilled that we found your dream home. I am thankful and grateful that you have put your trust in me. #greatermontreal #pincourt #purchased #buyersagent #newbeginnings #realestate #bungalow #mtl #mtlmoments #charming #firsttimehomebuyer #brokerlife #lovemyjob #happyclients #happybroker